How many times have you told yourself it's time to shop around for the cheapest Chevy Silverado insurance in Vancouver? Locating cheaper insurance for a Chevy Silverado in Washington can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare auto insurance rates so you're going to learn the proper way to quote coverages for a new or used Chevy and get the cheapest rates from both online companies and Vancouver agents.
A recent NerdWallet.com study revealed that nearly 70% of customers kept buying from the same company for a minimum of four years, and approximately 38% of consumers have never even shopped around for affordable coverage. Many consumers in Washington could save 40% each year by just comparing rate quotes, but they just don't understand how much money they would save if they switched to a more affordable policy.
It's a good idea to check auto insurance prices before your policy renews because prices change regularly. Despite the fact that you may have had the best deal on Chevy Silverado insurance in Vancouver a few years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because we're going to show you the tricks you need to know to find lower rates on auto insurance.
Buying the cheapest insurance in Vancouver is quite easy if you know the best way to do it. If you already have coverage or are looking for a new policy, use these tips to lower your rates and still have adequate protection. Smart buyers only need an understanding of the least time-consuming way to quote multiple rates online from multiple companies.
Companies offering Chevy Silverado insurance in Washington
The companies in the list below provide quotes in Vancouver, WA. If multiple companies are listed, we suggest you visit several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$138||$250||$350||$20||$104||$862||$72|
|Silverado LS Regular Cab 4WD||$220||$388||$398||$24||$120||$1,150||$96|
|Silverado LT Regular Cab 2WD||$122||$248||$376||$22||$112||$880||$73|
|Silverado LT Regular Cab||$228||$384||$334||$20||$100||$1,066||$89|
|Silverado LS Extended Cab 4WD||$122||$236||$310||$18||$92||$778||$65|
|Silverado LT Extended Cab 4WD||$196||$376||$334||$20||$100||$1,026||$86|
|Silverado LT Extended Cab 2WD||$140||$242||$334||$20||$100||$836||$70|
|Silverado LS Extended Cab 2WD||$254||$458||$334||$20||$100||$1,166||$97|
|Silverado LT Crew Cab 4WD||$200||$412||$384||$22||$114||$1,132||$94|
|Silverado LS Crew Cab 2WD||$152||$322||$434||$26||$130||$1,064||$89|
|Silverado LS Crew Cab 4WD||$136||$278||$310||$18||$92||$834||$70|
|Silverado LT Crew Cab 2WD||$202||$358||$340||$20||$102||$1,022||$85|
|Silverado LTZ Extended Cab 2WD||$238||$364||$436||$26||$130||$1,194||$100|
|Silverado LTZ Extended Cab 4WD||$124||$242||$282||$16||$84||$748||$62|
|Silverado LTZ Crew Cab 2WD||$246||$530||$350||$20||$104||$1,250||$104|
|Silverado LTZ Crew Cab 4WD||$318||$664||$398||$24||$120||$1,524||$127|
|Silverado Crew Cab Hybrid 2WD||$294||$520||$386||$22||$116||$1,338||$112|
|Silverado Crew Cab Hybrid 4WD||$354||$764||$398||$24||$120||$1,660||$138|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in vehicle garaging location which can affect price quotes greatly.
Chevrolet Silverado liability-only versus full coverage
The illustration below visualizes the comparison of Chevrolet Silverado auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or claims, $500 deductibles, single male driver, and no discounts are applied.
Should you pay for full coverage?
There is no written rule to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's say your Chevrolet Silverado replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your policy deductible. If you are paying over $400 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where buying only liability insurance is not recommended. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Accidents and violations increase rates
The diagram below demonstrates how speeding tickets and fender-benders raise Chevrolet Silverado annual premium costs for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Get cheaper Chevy Silverado insurance rates in Vancouver
Auto insurance companies don't list every possible discount in an easy-to-find place, so below is a list both the well known in addition to some of the lesser obvious discounts that you may qualify for.
- Accident Forgiveness - This isn't a discount exactly, but some insurance companies permit an accident before they charge you more for coverage so long as you are claim-free prior to the accident.
- 55 and Retired - Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- No Claims - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
- Seat Belt Discounts - Drivers who require all vehicle occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
- Anti-theft System - Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
Just know that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you won't be that lucky.
Auto insurance companies who may offer some of the discounts shown above may include but are not limited to:
Before you buy a policy, ask every company which discounts they offer. Discounts might not be available to policyholders in your state. To view companies offering car insurance discounts in Vancouver, click this link.
Neighborhood Vancouver auto insurance agents
Certain consumers would prefer to sit down with an agent and doing that can be a smart decision Most agents can point out coverage gaps and give you someone to call. The best thing about getting free rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents in Vancouver who want to provide quotes to get your business. You won't even need to find an agent since rate quotes are delivered to you directly. If you wish to get a price quote for a specific company, you can always navigate to their website and fill out their quote form.
Choosing an insurance company should depend on more than just a low price. Any agent in Vancouver should be forthright in answering these questions:
- Are they involved in claim handling?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What kind of financial rating does the company have?
- Is the agency involved in supporting local community causes?
- What companies can they write with?
- Which insurance company do they prefer to write with?
- Are there any extra charges for paying monthly?
- Do they feel the quoted coverages are adequate?
Different types of Vancouver auto insurance agents
If you are wanting to find a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they function. Auto insurance agents in Vancouver can either be exclusive or independent agents depending on their company appointments. Both insure your vehicles properly, but it is important to understand why they differ since it could factor into buying decisions.
Exclusive Auto Insurance Agencies
Exclusive agencies work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Many people buy from the same agent for years primarily because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agencies in Vancouver that can give you rate quotes.
- Kris Greene - State Farm Insurance Agent
11818 SE Mill Plain Blvd Ste 101 - Vancouver, WA 98684 - (360) 256-3755 - View Map
- Farmers Insurance - Greg Brewer
4418 NE St Johns Rd - Vancouver, WA 98661 - (360) 694-8391 - View Map
- American Family Insurance - Dan Farrell
521 SE 155th Ave Ste 103 - Vancouver, WA 98684 - (360) 891-0700 - View Map
Independent Insurance Agents
Independent agents are not employed by one company so they can write business with many different companies and get you the best rates possible. If they find a lower price, the business is moved internally and you don't have to do anything. If you need lower rates, we highly recommend that you check rates from at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with lesser-known insurance companies which may have better rates.
Below is a short list of independent insurance agents in Vancouver that can give you price quotes.
- JD Fulwiler and Co. Insurance, Inc.
700 Washington St #102 - Vancouver, WA 98660 - (360) 750-1510 - View Map
- All Risk Auto Insurance
5508-B E. Fourth Plain Blvd. - Vancouver, WA 98661 - (360) 693-4044 - View Map
- Vern Fonk
10705 NE Fourth Plain Blvd b - Vancouver, WA 98662 - (360) 686-6080 - View Map
If you feel you receive reasonable responses to these questions and an affordable coverage quote, you may have found an insurance agency that can be trusted to provide auto insurance coverage. But remember, it's your coverage and you can terminate coverage whenever you wish so don't feel that you are permanently stuck with any specific company with no way out.
Auto insurance policy specifics
Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Collision coverage covers damage to your Silverado resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It's also possible to increase the deductible on your Silverado to save money on collision insurance.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as prosthetic devices, rehabilitation expenses and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle's damage.
Due to the fact that many Washington drivers only carry the minimum required liability limits (Washington limits are 25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Liability car insurance
This coverage protects you from damages or injuries you inflict on people or other property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability coverage protects against things like loss of income, bail bonds, repair costs for stationary objects, attorney fees and medical services. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. Washington state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy better liability coverage.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, a broken windshield, a tree branch falling on your vehicle, theft and fire damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Don't give up on cheaper coverage
Cost effective Chevy Silverado insurance can be found both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies don't offer the ability to get quotes online and usually these regional insurance providers sell through independent agents.
We covered a lot of tips how to compare Chevy Silverado insurance premium rates in Vancouver. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company.
Insureds change insurance companies for any number of reasons including policy cancellation, delays in paying claims, being labeled a high risk driver and even high prices. Whatever your reason, finding the right auto insurance provider is not as difficult as it may seem.
More detailed auto insurance information can be found by following these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What Auto Insurance is Cheapest for Young Drivers in Washington? (FAQ)
- What is the Best Cheap Auto Insurance in Pasco, Washington? (FAQ)
- How Much are Car Insurance Rates for Immigrants in Washington? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Fusion in Washington? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Credit and Insurance Scores (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)